Wrong charge from Bank of Baroda Debit Card? This page covers the right way to dispute it: which line to call (1800-258-44-55), what evidence to gather first, and how to file a bank chargeback if Bank of Baroda doesn't reverse the charge within their stated SLA.
Bank of Baroda Debit Card Billing Dispute Helpline: 1800-258-44-55
If the first-level customer-care call doesn't resolve your dispute a billing or wrong charge, India's standard escalation path is: grievance officer → nodal officer → RBI Banking Ombudsman → consumer court. Most regulators require 30 days of brand non-response before they accept a case, so keep every reference number and timestamp.
Typically 7-15 working days for legitimate disputes. The clock starts when Bank of Baroda accepts the dispute (gives you a reference number), not when you call. UPI reversals are faster (2-3 days) than card reversals (7-14 days).
Two paths: (1) escalate internally to the grievance officer with all reference numbers, then (2) for card payments, file a chargeback with your bank directly. Banks side with customers in most "service not delivered" or "unauthorized charge" disputes if you have evidence.
Almost always start with Bank of Baroda — banks require you to have tried the merchant first. The exception is unauthorized / fraud transactions, where you call your bank immediately to block the card and file the chargeback in parallel.
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